Credit Cards

Credit Cards

A tradition of long term relationships, old friends you can count on, and knowing the people you do business with…that’s what makes First National Bank unique!

When you establish a MasterCard® or VISA® account with FNB, your home town community bank, you will receive:

No annual fee

Competitive interest rate

Interest-free grace period for purchases when balance paid in full each month

$150,000.00 common carrier insurance

LetterChecks and periodic statement checks to conveniently make purchases or transfer other credit card balances

Honored at over 10 million establishments worldwide

Cash available at any FNB Office and at thousands of other financial institutions and ATM’s

Free automatic payment options through another of your FNB accounts

24-hour customer information HelpLine available via an 800 number

Unemployment, disability and credit life insurance coverage available at a minimal cost

Statement and account information available 24/7 on the Internet at www.mycardstatement.com

Earn points for exciting rewards for qualifying purchases through www.scorecardrewards.com

Additional benefits available to those who qualify for a Gold MasterCard or a VISA Gold Card

A MasterCard or VISA through First National Bank can offer you the benefits of a local hometown credit card combined with international recognition. Our customer service representatives are trained to personally assist you during regular business hours. After hours, you may call 1-800-423-7503 for information regarding your account or view your account on the Internet at: www.mycardstatement.com.

USA PATRIOT ACT : IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

For more information about the Credit Card Services at First National Bank, please contact the office nearest you.

A tradition of long term relationships, old friends you can count on, and knowing the people you do business with…that’s what makes First National Bank unique!

When you establish a Gold MasterCard or a VISA Gold Card with First National Bank, your home town community bank, you will receive:

Competitive interest rate

Interest-free grace period

No annual fee

$500,000.00 common carrier insurance

Honored at over 10 million establishments

Cash available at any First National Bank Office and at thousands of other financial institutions and ATM’s

Free automatic payment options through another of your First National Bank accounts

24 hour customer information help line available via an 800 number

Unemployment, disability and credit life protection coverage available at a minimal cost

Additional benefits available. Please call:

Gold MasterCard at 1-800-MC-ASSIST

Visa Gold Card at 1-800-VISA-911

We believe a Gold MasterCard or a VISA Gold Card through First National Bank can offer you the benefits of a local home town Gold Card combined with international recognition. When we are open, we are here to assist you. When we are not, you may call 1-800-423-7503 for information regarding your account.

USA PATRIOT ACT : IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

For more information about our Gold Credit Card Services at First National Bank, please contact the office nearest you.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS: BY OPERATIONS OF FEDERAL LAW, BEGINNING JANUARY 1, 2013, FUNDS DEPOSITED IN A NONINTEREST BEARING TRANSACTION ACCOUNT (INCLUDING AN INTEREST ON LAWYER TRUST ACCOUNT) NO LONGER WILL RECEIVE UNLIMITED DEPOSIT INSURANCE COVERAGE BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC). BEGINNING, JANUARY 1, 2013, ALL OF A DEPOSITOR'S ACCOUNTS AT AN INSURED DEPOSITORY INSTITUTION, INCLUDING ALL NONINTEREST-BEARING TRANSACTION ACCOUNTS, WILL BE INSURED BY THE FDIC UP TO THE STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT ($250,000.00), FOR EACH DEPOSIT INSURANCE OWNERSHIP CATEGORY. FOR MORE INFORMATION VISIT WWW.FDIC.GOV.